党的十六届三中全会明确提出:“稳步推进利率市场化,建立健全由市场供求决定的利率形成机制”,以及人民银行关于“政策性银行按商业化管理的贷款,其利率不再实行上限管理”的规定,为农发行利率市场化改革提供了政策依据。如何控制利率市场化进程中的经营风险,是当前面临的重要问题。 The Third Plenary Session of the 16th Central Committee of the Party made it clear that “steadily pushing forward the marketization of interest rates and establishing and perfecting the formation mechanism of interest rates determined by the market supply and demand” and the interest rate of the People’s Bank of China on “commercialized management of policy banks no longer Ceiling management ”provisions for the agricultural development of the interest rate market-oriented reform provides a policy basis. How to control the business risk in the process of marketization of interest rates is an important issue currently facing.